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通过新疆富蕴县168个农户借贷行为的问卷调查,发现该地区的农牧民借贷需求强烈;农户所需要的借贷资金供给主要来自农村信用社和亲戚朋友;农户期盼改善贷款服务和简化贷款程序。针对农户借贷需求和供给的问题和成因,政府应以农民增收、现代农业发展和新农村建设的资金需求为导向,增加农贷支持力度,提高金融服务能力;规范民间借贷行为,建立新型民间金融组织;加强金融生态环境建设,完善信用保障机制;健全农业保险体系,落实好农村保险政策;加大金融创新力度,提高金融资源在农村经济发展中的支持作用。
According to the questionnaire survey of loan behavior of 168 farmer households in Fuyun County, Xinjiang, farmers and herdsmen in the area are found to have a strong demand for loans. The supply of loan funds for rural households mainly comes from rural credit cooperatives and relatives and friends. Farmers look forward to improving loan services and simplifying loans program. In response to the problems and causes of demand and supply of peasants ’lending, the government should increase funding for peasants’ income, development of modern agriculture and new countryside construction, increase support for peasants and lending, and improve financial services capability; standardize private lending practices and establish a new type of private finance Organization; strengthen the construction of financial ecological environment, improve the credit guarantee mechanism; improve the agricultural insurance system, implement the rural insurance policy; increase financial innovation and enhance the financial resources in the rural economic development support.